BRAZIL BANKING OPERATIONS TECHNOLOGIES REVERSE TRADE MISSION

  BRAZIL BANKING OPERATIONS TECHNOLOGIES REVERSE TRADE MISSION Table of Contents About U.S. Trade and Development Agency 3 Reverse Trade Mission...
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BRAZIL BANKING OPERATIONS TECHNOLOGIES REVERSE TRADE MISSION

Table of Contents

About U.S. Trade and Development Agency

3

Reverse Trade Mission Objectives Technical Background

5 5

List of Delegates

6

Delegate Interests

7

About Brazil, Commercial Guide and more…

8

Agenda

14

About: Banco do Central Banco da Amazȏnia Banco do Brasil Banese Banrisul BDMG BRB Cielo Febraban Itáu Unibanco SulAmérica

17 19 21 22 24 27 29 31 32 35 36

  Brazil Banking Operations Technologies Reverse Trade Mission  Sponsored by U.S. Trade and Development Agency  Organized and facilitated by PHM International, Inc.  www.ustda.gov   www.phmintnl.com/brazil  

 

  Brazil Banking Operations Technologies Reverse Trade Mission  Sponsored by U.S. Trade and Development Agency  Organized and facilitated by PHM International, Inc.  www.ustda.gov   www.phmintnl.com/brazil  

  Page 3 of 37

  Brazil Banking Operations Technologies Reverse Trade Mission  Sponsored by U.S. Trade and Development Agency  Organized and facilitated by PHM International, Inc.  www.ustda.gov   www.phmintnl.com/brazil  

  Page 4 of 37

Objective This Reverse Trade Mission (RTM) will provide select delegates from Brazil five (5) business days of meetings and site visits to leading U.S. technology companies. The objective of the visit is to familiarize Brazilian officials with the latest in U.S. technologies, services, and best practices in data storage, mobile and internet banking, customer relationship management and cyber security for banking and insurance company operations. 11 senior-level officials have been selected for this visit by the U.S. Trade and Development Agency (USTDA). Program Objectives Provide Brazilian buyers with the latest in U.S. technologies, services, and best practices related to:  Cyber Security for Banking Operations  Mobile Money and Internet Banking  Customer Relationship Management (CRM) in Banking Environments  State-of-the-Art Data Center Performance and Energy Efficiency Technical Background The Brazilian financial sector ranks amongst the largest IT users worldwide. In 2014, the country’s banks invested over $11.9 billion in IT, ranking 7th in the world, and one of the largest markets for U.S. companies in this sector. Increasing pressure for efficient operations coupled with strict central bank regulations and increasing cybersecurity threats have caused banks to allocate a considerable share of their operational budgets to IT modernization and expansion projects. According to a recent study conducted by the Brazilian Federation of Banks (FEBRABAN), approximately 18% of all investments made by banks in Brazil were associated with IT solutions, a trend that is expected to continue as Brazilians continue to move toward electronic banking, and financial institutions expand their coverage throughout the country. Expanding broadband internet connectivity and the increasing use of smart phones have also contributed to the growth in electronic banking transactions in Brazil. Approximately half of all banking transactions in the country are made through the internet and mobile devices, with a record 400% increase in mobile-based payments registered in 2015, according to CA Technologies. Brazil also has one of the most regulated banking markets in the world. The central bank has required, since 2010 that bank transaction data be stored for at least 20 years, resulting in an average storage capacity growth of 31% in this sector.

  Brazil Banking Operations Technologies Reverse Trade Mission  Sponsored by U.S. Trade and Development Agency  Organized and facilitated by PHM International, Inc.  www.ustda.gov   www.phmintnl.com/brazil  

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Delegates English phonetic pronunciation under each name… First Name

Last Name

Title, Company

Marcelo Jose Marselo Joz-ay

Oliveira Yared Oh-Lee-Vay-ra Ya-red

IT Director, Banco Central

Jorge Fernando Johr-jay Fair-nan-doh

Krug Santos Kroog Sahn-tos

IT Director, Banrisul

Alessio

De Oliveira Rezende

Superintendent, Banese

A-less-ee-o

Day Oh-lee-vay-ra He-zen-day

Marco Antonio Mar-coh Ann-toe-knee-o

Antunes Da Silva Ann-two-nays dah Sill-vah

IT Director, Sul America

Claudio André Clou-dee-oh An-dray

Ferreira Pinto Fay-ray-rah Pin-toe

CIO, Banco da Amazonia

Joao Edison Jo-aww Ed-ee-son

Vaz Lopes Vayz Low-pez

IT Management, BDMG

Leandro Lee-ann-droh

Vilain João Vee-line Jo-aww

Business & Op Director, Febraban

Geraldo Afonso Jer-al-doh A-phon-soh

Dezena da Silva day-zain-a dah sill-vah

VP, Banco do Brasil

Bruno Alves Broo-noh Ahl-vez

Teixeira Tay-chay-ra

Superintendent of Governance, BRB

Marcelo Cruz Marselo Crooz

de Haidar Jorge day High-dar Johr-jay

Chief of Cybersecurity, Cielo

Arethusa Ah-ray-thoo-sa

Rodrigues Pontes Rohd-ree-gez Pohn-tez

Systems Analyst, Itaú Unibanco

 

  Brazil Banking Operations Technologies Reverse Trade Mission  Sponsored by U.S. Trade and Development Agency  Organized and facilitated by PHM International, Inc.  www.ustda.gov   www.phmintnl.com/brazil  

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Delegate Interests The delegates were surveyed in advance of the RTM and provided the following information: What are the key issues you wish to learn during the RTM?

What technologies and regulatory issues are you most interested in learning about? Blockchain Cognitive computing Distributed Lodgers - DLT Big data & advanced analytics Billing models Digital security Cloud storage Business algorithms PAAS Text mining Cybersecurity Telematics Omni channel for banking NPS: Net promoter store) management modes Mobile payments Privacy for big data: from customer perspective Fraud prevention Biometric regulations Data center equip/solutions Governance, Basel What new products or services would you like to learn about? Smart advisors Mobile money and Internet banking NFC, Payment integration with social media Billing center Crypto currencies Fintech Payments and Credit

  Brazil Banking Operations Technologies Reverse Trade Mission  Sponsored by U.S. Trade and Development Agency  Organized and facilitated by PHM International, Inc.  www.ustda.gov   www.phmintnl.com/brazil  

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About Brazil Brazil Country Commercial Guide Brazil - Market Overview Discusses key economic indicators and trade statistics, which countries are dominant in the market, the U.S. market share, the top five reasons why U.S. companies should consider exporting to this country, and other issues that affect trade, e.g., terrorism, currency devaluations, trade agreements. Last Published: 10/14/2016 The Federative Republic of Brazil is Latin America's largest economy. With 3,290,000 square miles, bordering 10 other countries and with 4,650 miles of coastline, Brazil is the largest country in Latin America and fifth largest in the world. Brazil’s 2015 Gross Domestic Product (GDP) of US$2.2 trillion ranks Brazil as the world’s eighth-largest economy. Annual growth during 2015 dropped 3.8%. Brazil is Latin America’s largest country, and the ninth largest economy in the world. According to the United Nations Conference on Trade and Development (UNCTAD), Brazil was the eighth largest destination for global Foreign Direct Investment (FDI) flows in 2015. Brazil typically receives close to half of South America’s total incoming FDI. The United States is a major foreign investor in Brazil; according to the Brazilian Central Bank (BCB), the United States had the largest single-country stock of FDI (US$ 112 billion) in Brazil in 2014. Brazil’s GDP fared worse than almost any other major economy in 2015, contracting by 3.8 percent and setting GDP back to 2011 levels. Economists are expecting GDP to shrink a further 3.5-4.0 percent in 2016, marking the country’s longest and deepest recession since Brazilian Institute of Applied Economic Research (IPEA) records began in 1901. By any measure, 2015 was a tough year for Brazil: GDP per capita decreased almost 5 percent; unemployment hit a sixyear high of 9 percent; inflation ended the year at 10.7 percent, a 12-year high; the Brazilian real shed a third of its value against the dollar; investment levels dropped over 14 percent; industrial output contracted by 8.3 percent; and the fiscal deficit ballooned to a record 10.8 percent of GDP. Brazil Forecast Summary Indicator

2016

2017

2018

2019

2020

Real GDP growth

-3.7%

0.9%

1.6%

2.3%

2.4%

3.8%

5.5%

5.3%

5.2%

Consumer price inflation (av) 7.3% Exports of goods fob (US$ bn) $

196 $

211 $

228 $

244 $

262

Imports of goods fob (US$ bn) $ (157) $ (173) $ (190) $ (205) $ (221)   Brazil Banking Operations Technologies Reverse Trade Mission  Sponsored by U.S. Trade and Development Agency  Organized and facilitated by PHM International, Inc.  www.ustda.gov   www.phmintnl.com/brazil  

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source: The Economist Intelligence Unit; 25 April, 2016

Brazil is expected to return to growth within the next two years. Inflation should slow down soon. The depreciation in the value of the Brazilian currency, the Real, should also lead to higher exports in the coming years, and as the economy strengthens again, more imports. Improvements in infrastructure and education, trade expansion, a broader presence of multinational business and the development of Brazil's huge oil reserves will mitigate slower   Brazil Banking Operations Technologies Reverse Trade Mission  Sponsored by U.S. Trade and Development Agency  Organized and facilitated by PHM International, Inc.  www.ustda.gov   www.phmintnl.com/brazil  

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labor force growth and help to sustain labor productivity growth. If improvements in policymaking and the business environment were to exceed expectations, faster annual growth rates than those currently forecast would be achievable. Brazil's large and diversified economy makes it attractive for investors, and the country will continue to attract the lion's share of foreign direct investment (FDI) in Latin America. It’s important to take a long-term view in Brazil. From that perspective, it makes sense for companies to focus on the market now, with the expectation that it will return to growth. During the past two decades, the country has prioritized macroeconomic policies that control inflation and promote economic growth. Recently, inflation has increased, reaching 10.67% in 2015. Urban unemployment was at 6.9% at the end of 2015. Brazil’s Central Bank has been steadily raising reference interest rates to combat inflation, from a historic low of 7.25% in October 2012 to 14.25% at the end of July, 2015. In 2015, the U.S. was the second largest exporter to Brazil, accounting for 15.4% (Global Trade Atlas) of Brazil’s total imported goods; behind China and followed by Argentina, Germany, and South Korea. In 2015, Brazil imported over US$171 billion of total goods, including US$26.4 billion from the U.S. – a 24% decrease from 2014. Brazil ranked as the United States' eleventhlargest export market for goods in 2015. Brazil is also a large market for U.S. services, accounting for an additional $27.8 billion in exports in 2015. The United States maintains a trade surplus in services that has increased over the past decade, reaching $19 billion in 2013, and plateauing at that level since then. Brazil represents an excellent export partner for experienced U.S. exporters. Major reasons to export to Brazil include:  Brazil’s population of 202 million is the fifth largest in the world, representing nearly 3 percent of global consumers.  At the same time, Brazil has the highest per capita income of any of the BRICS, with more than half of its population defined as middle-class, earning between $11,500 and $29,000 per year.  Brazil is also traditional leader among emerging markets. A BRICS member, it is now considered by many multi-national companies as an essential market for truly global businesses.  Brazil has a natural affinity for the United States and a high regard for our products, brands and technology.  The Brazilian Government is actively cultivating relationships with international and U.S. businesses and prioritizing macroeconomic stability. President Rousseff’s visit to Washington D.C. in June 2015 highlighted the shared commitment of the U.S. and Brazil to work together to grow trade and investment. Web Resources:  http://www.bcb.gov.br/pec/metas/InflationTargetingTable.pdf  http://www.ibge.gov.br/english/  http://www.bcb.gov.br/?INTEREST   Brazil Banking Operations Technologies Reverse Trade Mission  Sponsored by U.S. Trade and Development Agency  Organized and facilitated by PHM International, Inc.  www.ustda.gov   www.phmintnl.com/brazil  

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https://www.census.gov/foreign-trade/Press-Release/current_press_release/ft900.pdf

Prepared by our U.S. Embassies abroad. With its network of 108 offices across the United States and in more than 75 countries, the U.S. Commercial Service of the U.S. Department of Commerce utilizes its global presence and international marketing expertise to help U.S. companies sell their products and services worldwide. Locate the U.S. Commercial Service trade specialist in the U.S. nearest you by visiting http://export.gov/usoffices. Source: https://www.export.gov/apex/article2?series=a0pt0000000PAtOAAW&type=Country_Commerc ial__kav Additional Information: Brazil – US Commerce Dept resources… Country report: https://www.export.gov/apex/article2?series=a0pt0000000PAtOAAW&type=Country_Commerc ial__kav http://2016.export.gov/brazil/

U.S. Relations with Brazil Bureau of Western Hemisphere Affairs Fact Sheet, July 29, 2015 More information about Brazil is available on the Brazil Page and from other Department of State publications and other sources listed at the end of this fact sheet. U.S.-BRAZIL RELATIONS The United States and Brazil traditionally have enjoyed robust economic relations. The United States was the first country to recognize Brazil's independence in 1822. As the two largest democracies and economies in the Western Hemisphere, the United States and Brazil have a partnership that is rooted in a shared commitment to expand inclusive economic growth and prosperity, promote international peace and security and respect for human rights, and strengthen defense and security cooperation. Ten bilateral agreements signed in March 2011, five more signed in April 2012, and 11 signed in June 2015 testify to an intensification of engagement in areas of mutual interest. The two countries have over 20 dialogues at the assistant secretary level or above, including the Global Partnership Dialogue, the Economic and Financial Dialogue, the Strategic Energy Dialogue, and the Defense Cooperation Dialogue. The United States and Brazil are working together on key global, multilateral, and regional issues. To demonstrate their commitment to addressing climate change, the United States and Brazil in June 2015 launched a Joint Initiative on Climate Change to enhance cooperation on sustainable land use, clean energy, and climate adaptation. There is a joint goal of increasing the share of renewables – beyond hydropower – in their electricity generation mixes to the level of 20 percent by 2030. The United States and Brazil are partners in strengthening the   Brazil Banking Operations Technologies Reverse Trade Mission  Sponsored by U.S. Trade and Development Agency  Organized and facilitated by PHM International, Inc.  www.ustda.gov   www.phmintnl.com/brazil  

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“multistakeholder” approach to Internet governance to preserve the benefits of an open, interoperable, secure, and reliable Internet. To promote the implementation of the Post-2015 Development Agenda Sustainable Development Goals, the United States and Brazil are collaborating on sustainable agriculture, food security, and nutrition. With the bilateral Defense Cooperation Agreement and the General Security of Military Information Agreement having entered into force in June 2015, the United States and Brazil are strengthening cooperation on defense issues, including research and development, technology security, and the acquisition and development of products and services. These agreements promote joint exercises and facilitate the sharing of sophisticated capabilities and technologies. The two countries’ private sectors are institutionalizing defense engagement to exchange information and ideas, increase technology cooperation and collaboration, and discuss long-term priorities. In June 2015, the United States and Brazil signed a Joint Statement on Law Enforcement Collaboration, to institutionalize cooperation against intellectual property rights crimes, money laundering, human trafficking, and transnational criminal organizations. Bilateral Economic Relations Economic relations between the United States and Brazil are significant and growing. Mechanisms that facilitate the movement of trade, investment, and people between the United States and Brazil, expand prosperity in both countries, and foster dialogue on key issues include:      

The Economic and Financial Dialogue, which promotes common positions on global policy issues. The Joint Commission on Economic and Trade Relations, which explores greater cooperation on economic and trade issues. The Commercial Dialogue, which develops strategies to eliminate impediments to trade and investment. The CEO Forum, through which U.S. and Brazilian executives advise policymakers on commercial and economic issues. The Consultative Committee on Agriculture, which seeks to boost agricultural trade and cooperation. The Strategic Energy Dialogue, which aims to strengthen energy security, create new jobs and industries, and reduce carbon emissions.

Brazil is the world’s seventh-largest economy and the United States’ ninth-largest merchandise trading partner. Two-way trade has been at record highs in recent years, totaling $109 billion in 2014. The United States had a $12 billion trade surplus with Brazil in 2014. Brazil’s main imports from the United States are petroleum products, machinery, aircraft, electronics, and optical and medical instruments. The United States is Brazil’s second-largest export market. The primary products are crude oil, vehicles, electronics, and machinery. The United States is the leading foreign investor in Brazil, with an accumulated foreign direct investment stock of $78 billion in 2013. Brazilian investment in the United States more than doubled to $14.9 billion from 2009 to 2013.   Brazil Banking Operations Technologies Reverse Trade Mission  Sponsored by U.S. Trade and Development Agency  Organized and facilitated by PHM International, Inc.  www.ustda.gov   www.phmintnl.com/brazil  

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During President Rousseff’s June 2015 visit to Washington, DC, the United States and Brazil agreed to expand economic cooperation by aligning regulatory standards and developing singlewindow systems to facilitate trade, launch work-sharing on patent applications, and expand infrastructure investment opportunities for both countries. Brazilian tourism to the United States is at an all-time high, comprising the fifth largest group of visitors. The United States welcomed a record 2.3 million visitors from Brazil in 2014, a 10% increase from 2013 and a tripling from 2007. Brazil's Membership in International Organizations Brazil and the United States belong to a number of the same international organizations, including the United Nations, Organization of American States, Inter-American Development Bank, G-20, International Monetary Fund, World Bank, and World Trade Organization. Brazil traditionally has been a leader in the inter-American community, and is a member of the subregional Mercosur and Unasur groups. Bilateral Representation The U.S. Ambassador to Brazil is Liliana Ayalde; other principal embassy and consulate officials are listed in the Department's Key Officers List. Brazil maintains an embassy in the United States at 3006 Massachusetts Avenue NW, Washington, DC 20008 (tel. 202-238-2700). More information about Brazil is available from the Department of State and other sources, some of which are listed here: Department of State Brazil Page Department of State Key Officers List CIA World Factbook Brazil Page U.S. Embassy: Brazil USAID Brazil Page History of U.S. Relations With Brazil Investment Climate Statements Office of the U.S. Trade Representative Countries Page U.S. Census Bureau Foreign Trade Statistics Export.gov International Offices Page Library of Congress Country Studies Travel and Business Information Source: http://www.state.gov/r/pa/ei/bgn/35640.htm

  Brazil Banking Operations Technologies Reverse Trade Mission  Sponsored by U.S. Trade and Development Agency  Organized and facilitated by PHM International, Inc.  www.ustda.gov   www.phmintnl.com/brazil  

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Working Agenda Brazilian Bankers Operations Technologies Reverse Trade Mission Information is subject to change. Day 26 Nov Saturday 27 Nov Sunday

Morning

Pick up San Francisco Airport

Afternoon Notes Afternoon - Late Evening Depart: Depart Brazil to San Francisco 19:00 Orientation Monterey Room Meeting in hotel with a light meal.

28 Nov Monday

29 Nov Tuesday

Attire/Dress: casual 19:00 06:40 Meet in hotel lobby Dinner in 06:50 depart hotel to: San Fran Plug And Play Tech Center walking 440 N. Wolfe Rd. – Sunnyvale, CA 94085 Phone: (408) 524-1400 distance from hotel Roundtable Event 9:00am - Welcome Messages - Gabrielle Mandel, Country Manager Brazil & Southern Cone, USTDA - Joanne Vliet, USEAC Director - Rodrigo Mota, Country Representative, Brazil, USTDA - Scott Robinson, Founder and VP of Plug and Play FinTech 9:15am – 12:00pm - Brazil bank presentations 12:00pm – 1:00pm - Lunch: 1:15pm – One-on-One meetings with Brazil bank IT executives.. 16:00 Private coach to hotel 18:30 Meetings 08:05 Meet in hotel lobby Dinner with 08:15 Depart hotel IBM. 14:00-16:00 Chain, Inc. Ms. Jill Carlson, Partner Lead 09:00 – 11:00 USGBC - LEED: Mr. Erik Olofsson Data Center Energy Efficiency Location: 292 Ivy St Unit E (Ivy Brenden McEneaney, Director St between Franklin and Gough) 415-659-9394 San Francisco 560 Mission St, suite 900 San Francisco 16:30 – 18:30 IBM – Watson Experience Center 505 Howard St, 11:30 – 13:30 San Francisco, CA 94111 Lunch Presentation: 18:30 Dinner with IBM FS-ISAC   Brazil Banking Operations Technologies Reverse Trade Mission  Sponsored by U.S. Trade and Development Agency  Organized and facilitated by PHM International, Inc.  www.ustda.gov   www.phmintnl.com/brazil  

  Page 14 of 37

30 Nov Wednesday

07:20 Meet in hotel lobby 07:30 Depart hotel for meetings 8:30 – 2:00 (1:30 possible) Tanium, Inc. and VMware: Briefing Center 3401 Hillview Ave, Palo Alto, CA 94304 1-877-486-9273 or 650-427-5000 Breakfast Presentations Lunch

1 Dec Thursday

08:00 Meet in hotel lobby 09:00-13:00 NetApp, Inc. Executive Briefing Center Chad Lew, GM 408.834.9171 Mobile Phone Location: 495 East Java Drive Sunnyvale, CA 94089 including lunch

2 Dec Friday

08:00 Meet in hotel lobby for private coach to meetings

Return to hotel Meetings Coach to meetings in host city 2:30 – 16:00 Hold for Oracle/DellEMC/Cisco Est. 16:00: Private coach San Jose Check into Hotel: Fairmont San Jose. 170 South Market Street San Jose, CA 95113 +1.408.998.1900 16:30 – 18:00 Daon, Inc. Mr. Leo Ring, LA, SA Lead Fairmont Hotel Meetings 13:30-17:30 Coach to meetings in host city 13:30 Personetics, Inc. Fairmont Hotel

Reception: BayBrazil Silicon Valley IT Networking Group. Location loc/time tbd

19:00 Dinner in San Jose walking distance from hotel

Oracle/Siebel 500 Oracle Parkway Redwood Shores, CA 94065 Redwood, CA +1.650.506.7000 Est. 17:30 Private coach to hotel Meetings 13:30-17:30 Coach to Meetings in host city Hold Open:

11-12:00 Office of Gov Edmund G. Brown Jr. Office of Business & Economic Dev. 455 Golden Gate Ave, Suite 14000 San Francisco, CA 94102 916) 322-0559

19:00 Dinner in San Jose walking distance from hotel

12:00 Group Lunch Scheduled Lunch 3 Dec Saturday

Transportation to airport for return flight(s) to Brazil To be scheduled according to itineraries: San Francisco Airport or San Jose Airport.   Brazil Banking Operations Technologies Reverse Trade Mission  Sponsored by U.S. Trade and Development Agency  Organized and facilitated by PHM International, Inc.  www.ustda.gov   www.phmintnl.com/brazil  

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*Private coach service provided. Airport transfers will be arranged according to flight itineraries. Transportation to and from meetings, site visits, and hotels will be in private coach. In-Country Contacts: Hank Kearney PHM International +1.954.449.5392 m, WhatsApp, Viber Alison Moses Interpreter, PHM International +1.352.255.5579 m, WhatsApp, Viber Rodrigo Mota Country Representative, Brazil U.S. Trade and Development Agency 55.11.97575.9844

Abilio Santos PHM International +1.305.316.9901 m, WhatsApp, Viber Paul Connolly Interpreter, PHM International +55 11 98194 8366 m, WhatsApp, Viber

  Brazil Banking Operations Technologies Reverse Trade Mission  Sponsored by U.S. Trade and Development Agency  Organized and facilitated by PHM International, Inc.  www.ustda.gov   www.phmintnl.com/brazil  

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About the Brazilian Banks, Insurance Company, and Delegates

Banco Central do Brasil Brasilia, Brazil http://www.bcb.gov.br/en/#!/home Created by Law 4,595, dated 12.31.1964, the Central Bank of Brazil is a federal agency, linked to the Ministry of Finance whose mission is to ensure stable currency in order to maintain a solid and efficient financial system. It also acts as the Executive Secretariat of the National Monetary Council (CMN) and makes CMN Resolutions public. The bank currently has approximately 4,000 employees nationwide with 10 locations and is with headquartered in Brasília, the federal capital of Brazil. As with many central bankers, the Central Bank of Brazil has exclusive jurisdiction on:  Issuing the currency;  Performing rolling stock´s currency services;  Receiving compulsory deposits from commercial banks;  Carrying out rediscount operations and liquidity assistance loans to financial institutions;  Regulating the execution of the services of clearing of checks and other papers;  Authorizing, standardize, supervise and intervene in financial institutions;  Controlling the flow of foreign capital. Among its main activities, currently the Bank is also part of financial education actions and programs for Brazilian citizens and created an internal and specific structure to foster and monitor these responsibilities. It is also engaged in actions of socio-environmental responsibility.

    Brazil Banking Operations Technologies Reverse Trade Mission  Sponsored by U.S. Trade and Development Agency  Organized and facilitated by PHM International, Inc.  www.ustda.gov   www.phmintnl.com/brazil  

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Marcelo José Oliveira Yared IT Director Banco Central Contact: Luiza Carmen Holanda Saboia Coordenadora Deinf / Gabin [email protected] Tel.:+55 (61) 3414-2120

Experience Banco do Brazil SA.

1987 to 1995.

Central Bank of Brazil 1995 - present Head of the Information Technology Department of the Central Bank of Brazil, 2011 – present. Other professional activities: Participated in the project and the implementation of the National Financial System Network (RSFN), coordinating from 2002 to 2011 the Network Working Group of the Brazilian Payment System. Deputy Manager responsible for the entire IT Infrastructure of the Central Bank (6 years), participating in and managing several projects in the area of local networks, large capacity servers and mainframes, corporate workstations, data security, Internet, data in DWDM, corporate backup and enterprise data storage. Education Academic education: Electrical Engineering degree with emphasis in electronics by the University of Brasília - 1989. Complementary Training: Specialization courses in networking, LAN and management specialization. Specialization in advanced management and risk analysis at FGV, Brazil, Banco de España and IT governance at CEMLA.

  Brazil Banking Operations Technologies Reverse Trade Mission  Sponsored by U.S. Trade and Development Agency  Organized and facilitated by PHM International, Inc.  www.ustda.gov   www.phmintnl.com/brazil  

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Banco da Amazȏnia S/A http://bancoamazonia.com.br/ Banco da Amazȏnia is the main Financial Institution in the North of Brazil to Foment Development in the Region and its mission is to contribute to the sustainable development of the Amazon. Our mission: to promote the sustainable development of the Amazon, through the execution of public policies and the offer of financial products and services. Our Vision: To be recognized as a solid results bank, a partner in the sustainable development of Amazonia, which offers quality products and services, efficient processes and skilled and motivated employees. Our values: ethics, commitment to sustainable development, proactive, respect for diversity, agent of change, development of competence and meritocracy, relationship and communication, collegial decisions The Bank is responsible for more than 50% of all long-term investment in the northern region of Brazil. The Bank provides products and services aimed at both companies and individuals. The Bank is the manager of the Constitutional Fund for the Financing of the North (FNO), created in 1989, which allows small and medium-sized producers and entrepreneurs in the region access to a permanent and stable source of long-term financing, Differentiated, resulting in the growth of jobs and the generation of income. The Bank also maintains its activities focused on the sustainable development of the Legal Amazon, through the definition of strict criteria in the analysis of credit. Technological modernization, expansion of the customer service network and customer focus, both Individuals and Legal Entities. It is diversifying its sources of long-term financing, including international resources. It also extends its social-environmental responsibility, through corporate programs, as well as in sponsoring cultural, sports and social actions The Bank operates in the following segments: Companies, Individuals, Government, Agro Business, Microfinance and Family Farming. The Services offered include savings and transactional accounts, mortgages, personal and corporate loans, currency exchange, debit cards, and credit cards, Mobile and Internet Banking, etc.   Brazil Banking Operations Technologies Reverse Trade Mission  Sponsored by U.S. Trade and Development Agency  Organized and facilitated by PHM International, Inc.  www.ustda.gov   www.phmintnl.com/brazil  

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The Bank operates with 131 branches spread across the Amazon region of Brazil in 10 Brazilian states. The Bank has about 3200 employees, 150 of whom work in the area of information technology. The company is controlled mainly by the federal government of Brazil.

Claudio André Ferreira Pinto Chief Information Officer Banco da Amazȏnia Contact: [email protected] (91) 4008-3810 LinkedIn: www.linkedin.com/in/claudioafpinto Experience

  

Executive Secretary of IT at Banco da Amazonia February 2012 - Present (4 years 10 months) - Head of IT Executive Manager IT Projects at Banco da Amazonia January 2008 - February 2012 (4 years 2 months) Business Intelligence Project Coordinator at Banco da Amazonia September 2006 December 2007 (1 year 4 months)

Summary of Qualifications

 

Executive with lengthy experience in Information Technology Administration, with strong direct engagement in Design and Implement IT Strategic Plan, in Design Products and Services for Banking and in Program Management. Experience in Strategic Cost Optimization, driving business innovation while reducing IT costs.

Main Responsibilities



Responsible for the strategic planning, budget, It Governance, It projects and the management of Information Technology of Bank of Amazonia. Responsible for design and implement Bank Products and Services.

Education

 



MBA, Project Management, 2008 - Fundação Getulio Vargas Post-graduate (Specialization), Web Application Development, 2003 – Universidade Federal of Pará Bachelor's Degree, Computer Science, 2002 – Centro Universitário of Pará

  Brazil Banking Operations Technologies Reverse Trade Mission  Sponsored by U.S. Trade and Development Agency  Organized and facilitated by PHM International, Inc.  www.ustda.gov   www.phmintnl.com/brazil  

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Banco do Brazil S.A. Brasilia, Brazil http://www.bbamericas.com/ Founded in 1808, Banco do Brasil S.A. is the largest bank in Latin America, with the largest branch network in Brazil. Constituted as a mixed-capital company, the Brazilian Union holds 54,4% of its shares. Its mission is “To be a competitive and profitable bank, working with public spirit in each of its activities with the whole society”. Banco do Brasil, also known as BB, has more than 100.000 employees and 62,4 million customers. Clients can access more than 67.000 service points, 5.400 branches and 40.000 ATMs. Branches and services can be reached in almost all Brazilian cities and also in 24 different countries. Besides the bank branches, clients can access services and products through internet, call centers and smartphones.

Geraldo Afonso Dezena da Silva Senior Vice President and CIO Banco do Brazil Contact: Ana Luísa Vice-Presidência de Tecnologia [email protected] (61) 3493-1000

Geraldo Afonso Dezena da Silva is a 39-year veteran of Banco do Brazil and since 2010 he has been the CIO and Sr. VP Geraldo has served in many different positions at Banco do Brasil. Prior to becoming CIO, he was the Director of Administration and Finance at Aliança do Brasil, the bank subsidiary company responsible for insurance products. He also served as the General Manager in several braches in São Paulo and as Regional Executive in different states of Brazil. He has also held the role of Retail Distribution Director, responsible for all Banco do Brasil branches. He holds a MBA in General Training for Senior Executives and a MBA in Agribusiness. He also graduated in Law and Mathematics followed by a specialization in Financial Management. Geraldo is also a consultative board member of several companies that belong to Banco do Brasil Conglomerate.   Brazil Banking Operations Technologies Reverse Trade Mission  Sponsored by U.S. Trade and Development Agency  Organized and facilitated by PHM International, Inc.  www.ustda.gov   www.phmintnl.com/brazil  

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  Brazil Banking Operations Technologies Reverse Trade Mission  Sponsored by U.S. Trade and Development Agency  Organized and facilitated by PHM International, Inc.  www.ustda.gov   www.phmintnl.com/brazil  

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Aléssio Rezende Superintendent of Controllership, CISM, CBCP Banco do Estado de Sergipe S.A. [email protected] +55 (79) 3218-1637

Experience, Background & Education MBA in Financial Management, Controlling and Auditing by FGV – Getúlio Vargas Foundation (in progress), Postgraduate in Information Technology by UFPE - Federal University of Pernambuco and graduated in Data Processing by Tiradentes University. He works at BANESE, State Bank of Sergipe since 2002. He acts as Superintendent of Controllership, responsible for Risk Management (Operational, Capital, Market, Liquidity, Credit and socioenvironmental), Internal Controls, Compliance and Anti Money Laundering, Information Security and Business Continuity, Budget, Accounting and Taxes, Credit Control, Product Control and Banking Services. At BANESE, he has held other positions, such as Information Security and Business Continuity Manager, where he has implemented and led initiatives to prevent and combat electronic fraud and Information Security Risk Management, Project Manager and IT Services Coordinator. He is member of the subcommittees on Electronic Fraud Prevention, Operational Risk and Business Continuity, as well as the Technical Group on Internet Fraud Prevention of the Brazilian Federation of Banks (FEBRABAN). He holds important international certifications in Information Security and Business Continuity: Certified Information Security Manager (CISM) by ISACA, Certified Business Continuity Professional (CBCP) by the Disaster Recovery International Institute (DRII), Information Security Foundation certifications based on ISO / IEC 27002, ITIL Foundation Certification in IT Service Management, Foundation Exam in IT Service Management according to ISO / IEC 20000, among others.

  Brazil Banking Operations Technologies Reverse Trade Mission  Sponsored by U.S. Trade and Development Agency  Organized and facilitated by PHM International, Inc.  www.ustda.gov   www.phmintnl.com/brazil  

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BANRISUL Banco do Rio Grande do Sul S.A. https://www.banrisul.com.br/ Founded in 1928, Banco do Estado do Rio Grande do Sul S.A. ("Banrisul" or the "Bank"), multiple-service bank controlled by the state of Rio Grande do Sul, is among the 7 largest financial institutions in Brazil by branches and total deposits, according to Central Bank data, and is a leader in the regional market. As of December 2015, Banrisul’s Service Network reached 1,279 points distributed in 536 branches (491 in Rio Grande do Sul, 30 in Santa Catarina, 13 in other Brazilian states and two overseas), 202 service stations and 541 electronic service stations. Eight new branches were open in 2015, of which seven in Rio Grande do Sul and one in Santa Catarina. Banrisul offers a wide range of financial products and services such as:  Personal loans (consumer loans extended directly to individuals and payroll deduction loans);  Real estate loans;  Long-term financing, using the Bank’s funds and funding from other government institutions;  Lnes of credit for the agricultural and cattle-raising sectors;  General business lines of credit;  Savings deposits, demand deposits and time deposits; and  Asset management for third-party funds. In 2014, the acquiring business had its name altered to Vero, a multi flag network that offers merchants a wide variety of products and services that help increasing sales, such as accreditation, capture, transmission, processing and financial settlement of transactions carried out with MasterCard, Verde Card and VISA cards, as well as with Banricompras and BanriCard, Banrisul’s own cards.Vero captured 248.6 million transactions in 2015, an increase of 32.0% in comparison with last year. In 2015, debit and credit card transactions amounted to 156.6 million and 92.1 million, respectively, growing 30.2% and 35.2% from 2014, respectively. Transactions with the use of MasterCard, Verde Card and VISA cards expanded 67.3%, 31.4% and 82.1%from 2014 to 2015, respectively. Banricompras cards are exclusive for and free of charge to Banrisul customers, which can use their debit cards to make purchases at affiliated merchant stores. Payments can be made at sight, in installments, or even pre-dated, all without any charges, fees or interest rates, and with additional security features provided by the use of chip-embedded cards for safety transactions. When using Banricompras cards, customers accumulate points at Banriclube Plus, and are rewarded when consuming products and services, valuing the relationship with the Bank and promoting loyalty. The 106.7 million transactions with the use of Banricompras in 2015 produced a financial turnover of R$ 8.9 billion, 8.4% higher than 2014.   Brazil Banking Operations Technologies Reverse Trade Mission  Sponsored by U.S. Trade and Development Agency  Organized and facilitated by PHM International, Inc.  www.ustda.gov   www.phmintnl.com/brazil  

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Jorge F. Krug Santos Director of IT at Banrisul S.A. President of Rio Grande do Sul State Certification Authority - AC-RS [email protected] [email protected] Linkedin : br.linkedin.com/pub/jorge-krug/1/589/488/ EDUCATION Degree in Systems Analysis in PUC-RS, Post Graduated degree in Software Engineering in UFRGS (University of Rio Grande do Sul) Traineeship in Applied Computing at IBM AFE in Tarrytown, White Plains, New York - USA. In August, 2015 completed the executive program – PERSPECTIVES ON THE ORGANIZATION in MIT – Massachusetts Institute of Technology Sloan School of management EXPERIENCE Participates in a number of associations and IT committees, national and international, acting as: - Member of the Advisory Council of the Brazilian Chamber of Electronic Commerce (Camara e-Net) - Leader of the "Financial Payments Council" Smart Card Alliance Latin America & Caribe SCALA, - Director of Business Alliances in SUCESU-RS, - In Febraban, The Brazilian Banks Federation is member on Banking Automation and Technology Committee (CNAB) - Former Board Member "L'Advisory Board – CARTES SECURE CONNEXIONS" Krug was the first member from Latin America elected to a seat on the Board of Advisors of the PCI Council (Payment Card Industry) establishing global safety standards for the payments and cards, 2009/2011. In Banrisul, he was manager of Banking Automation Unit and was the leader of the project of integration of State Banks - RVA NETWORK in the 90s. He oversaw the development of the first Internet banking smart card, making use of PKI certificates, together with the introduction of the first network in Brazil to operate with EMV Full Grade Transactions. He also introduced in Brazil the first model multi-application smart card, converging on the same chip, EMV and PKI applications compatible with the Brazilian standard "ICPBrazil."

  Brazil Banking Operations Technologies Reverse Trade Mission  Sponsored by U.S. Trade and Development Agency  Organized and facilitated by PHM International, Inc.  www.ustda.gov   www.phmintnl.com/brazil  

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He is the responsible for the BANRISUL INTERNATIONAL IT FORUM, having already been held nine editions since 2008 with more than 4.000 delegates. In August 2011, awarded in an event at the Presidential Palace, the ITI - Institute of Information Technology, with the prominent award in achievements, in celebration of the 10th year of the Brazilian Public Key Infrastructure - ICPBrazil, responsible for Certification Digital in the country. Considered by the ITI the card evangelist with Chip Multi application. In 2009 also awarded during the conference C4 Latin America / SCALA in Panama City, with the Individual Latin American Leadership Award, the IT Security industry. In December 2010, he was awarded in São Paulo, the first edition of Security Leaders, the journal Risk Report and IDC, with the prize Leader in Security Management in Public Bank. In addition, in 2010 by SEPRORGS - as personality of the IT Sector in RS. In August 2013, received at the CIO EXECUTIVE DAY event, in its 9th edition, one of the leading IT events in the RS, the prize CIO HIGHLIGHT 2013 handed over to the IT executive community considered a reference to other industry professionals. In addition, appointed by IT4CIO among the five most influential IT professionals in the Southern Region (Paraná, Santa Catarina and RS). Awarded in Dec 2014 by the magazine Computer Today as the reference IT in Banking sector in 2014. Has been a guest lecturer at a number of IT conferences: In Americas, Europe and Asia, including  Card Tech Secure Tech - CTST (USA);  Cartes Secure (France);  Conference of Latin American Bancaria Automation – CLAB (Guatemala); MasterCard One Smart (Taiwan);  Mobile Payments International (USA),  FESA - Forum of European Supervisory Authorities for Electronic Signatures (Serbia);  APSCA - ASIA PACIFIC SMART CARD ASSOCIATION (India and Malaysia);  Multos International (Malaysia, Argentina);  SCALA - Smart Card Alliance Latin America (Argentina, Panama, USA, Costa Rica) and Brazil, as the Digital Certificate Brazilian Forum of ITI "and Fraud and Security Seminar." In 2014 he was invited by CISIS (China International and Information Service Fair) to speak at the World U-China event in DALIAN - China, the Chinese high-tech valley.

  Brazil Banking Operations Technologies Reverse Trade Mission  Sponsored by U.S. Trade and Development Agency  Organized and facilitated by PHM International, Inc.  www.ustda.gov   www.phmintnl.com/brazil  

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BDMG Minas Gerais, Brazil http://www.bdmg.mg.gov.br/InvestorRelations/Paginas/Apresentacao.aspx A development bank’s objectives and commitments differ from those of other banks. In all its actions and areas of operation, BDMG’s main objective is the development of the State of Minas Gerais and its population. BDMG. The Bank that assures success. The development of a State is a collective effort and to meet the needs of companies and municipalities, one needs a bank which is committed to the interests of the people of Minas Gerais. A bank which strengthens the network of micro and small businesses, which are responsible for supplying the greatest number of jobs and are drivers of the local economy. A bank which backs the bold projects of medium sized companies, where a good part of innovation comes from. A bank which supports large organizations, whose production capacity transforms the reality of entire regions. A bank which invests so that municipalities can be structured and efficient, capable of offering conditions for the improvement of the quality of life of their populations and for the prosperity of their businesses. A bank which has the development of Minas Gerais as part of its very name – BDMG, the Development Bank of Minas Gerais. The performance of the Bank is based on three main pillars:  Be a reference in financial solutions for companies that want to grow with innovation and sustainability;  Expand and facilitate access to credit for micro and small businesses;  Be a partner of the state and the municipalities, supporting the implementation of public projects and policies, including the attraction of large investments. Mission Promote the sustainable and competitive socioeconomic development of Minas Gerais, leading to the creation of better and expanded employment, along with the reduction of inequalities.

  Brazil Banking Operations Technologies Reverse Trade Mission  Sponsored by U.S. Trade and Development Agency  Organized and facilitated by PHM International, Inc.  www.ustda.gov   www.phmintnl.com/brazil  

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João Edison Vaz Lopes General Manager Information Technology Management BDMG

[email protected] 55 31 3219 8420 Education    

Advanced Management Executive Programs, Dom Cabral foundation, Kellogg school of Management in the United States and Insead of France – 2005 and 2009 MBA in Organizational management, IBMEC – Brazil - 2003 Degree in Law, UFMG – Universidade Federal de Minas Gerais – 2002 Degree in Computer Science, PUC – Pontificia Universidade Católica de Minas Gerais 1992

Professional Experience 1993 – Present 

BDMG – Banco de Desenvolvimento de Minas Gerais o CIO o Member of the Credit Committee o Member of the Credit Policies Committee o Member of the Management Committee o Member of committee to elaborate the Information Technology Master Plan 20014 o Was responsible for the credit back office over the period 2013-2014 o Was responsible for Strategic Planning and Human Resourse over the period 2009-2012 o Was in charge of IT Department over the period 2001-2009

Languages  

English – Upper intermediate Portuguese - Mother tongue

  Brazil Banking Operations Technologies Reverse Trade Mission  Sponsored by U.S. Trade and Development Agency  Organized and facilitated by PHM International, Inc.  www.ustda.gov   www.phmintnl.com/brazil  

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The Bank of Brasília SA – BRB Brasilia, Brazil www.brb.com.br The Bank of Brasilia, aka BRB is a mixed-capital corporation whose majority shareholder is the Government of the Federal District (96.85%) and it was created on December 10, 1964 by Federal Law 4,545. It obtained its authorization to operate, granted By the Central Bank of Brazil, on July 12, 1966. With its creation, BRB was intended to equip the Government of the Federal District - GDF with a financial agent that would make it possible to capture the necessary resources for the development of the region. In 1986, the denomination of Regional Bank of Brasília S.A. was changed to Bank de Brasília S.A., although it remained the acronym BRB. In 1991 BRB became a multiple bank with the following portfolios:  Commercial,  Foreign exchange,  Development and  Real estate. BRB is positioned among the largest Brazilian banks. It is the 8th bank in real estate credit; 9th in consigned credit; 10th in personal credit; 11th in demand deposits; 12th in term deposits, savings deposits, auto loans, number of branches and credit card issuers. It is also positioned as the 14th bank in rural credit.

Bruno Alves Teixeira BRB - Banco de Brasília S.A. DITEC/SUGOT – Superintendência de Governança de TI [email protected] / [email protected] Fone: (061) 3120-5624

Bruno holds a bachelor's degree in Computer Science from UNB, a certificate in PMP, ITIL, COBIT, RUP, UML, ISO 20.000 and CSM, a MBA in Information Technology Governance by UNIEURO, Postgraduate in Management of Projects in the Public Administration and 16 years’ experience in the IT area. In 2000, he joined the company Light Infocon and developed the process and document monitoring systems for the National Institute of Colonization and Agrarian Reform. In 2004, he was responsible for the systems development sector of the Department of Informatics of the Ministry of Agrarian Development, where he produced the main back-office systems and the institutional portal of the Organ. In 2005, he joined the team of the software factory of CTIS, in which he acted as Project Manager, being responsible for the development of the systems of covenants and administration of materials for several clients of the company. In 2008, he was   Brazil Banking Operations Technologies Reverse Trade Mission  Sponsored by U.S. Trade and Development Agency  Organized and facilitated by PHM International, Inc.  www.ustda.gov   www.phmintnl.com/brazil  

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selected to work in the Marketing area of Brasil Telecom as a Business Intelligence Consultant and, in this opportunity, developed several visions and management reports in addition to Implement the system of monitoring losses and profits that benefited the organization in identifying and reducing waste by boosting the company's net earnings. In 2010, he served as senior consultant for the Organization of Ibero-American States, serving the Coordination of Improvement of Higher Education Personnel - CAPES / MEC with the implementation of the system of conventions, scholarship and subsidy. In 2012, he assumed the position of IT Analyst at the Bank of Brasília, where he worked as: Quality Assurance Manager, Architecture, IT Security and Data Management Manager and currently Superintendent of IT Governance. Now at BRB, he has implemented systems development and maintenance methodology, established a new standard software architecture, defined and applied improvements in IT processes, and restructured the enterprise data warehouse.

  Brazil Banking Operations Technologies Reverse Trade Mission  Sponsored by U.S. Trade and Development Agency  Organized and facilitated by PHM International, Inc.  www.ustda.gov   www.phmintnl.com/brazil  

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Cielo S.A. Barueri, Brazil www.cielo.com.br Cielo is the largest Brazilian credit and debit card operator. Cielo is the biggest payment system company in Latin America by revenue and market value. History Companhia Brasileira de Meios de Pagamento (Brazilian Company of Means of Payment), dba VisaNet, was founded in 1995 as a joint-venture between Visa International and the banks Bradesco, Santander, Real (currently Banco Santander Brasil), Banco do Brasil and the now defunct Banco Nacional. Its purpose was to create a common infrastructure to be used by all banks issuing Visa cards, instead of each bank having a separate technological solution to process credit card transactions.[1] In July 1, 2010 VisaNet was renamed Cielo and was no longer the only processor of Visa cards in Brasil, following a regulation by the Brazilian government. Its main competitor, Rede. was now allowed to process Visa cards, and Cielo was allowed to process MasterCard, Diners Club and other cards which were only processed by Redecard.

Marcelo Cruz de Haidar Jorge Director of Fraud Prevention and Security Information Cielo Tel: 55 11 2184- 7883 Cell: 55 11 98202-6928 E-mail: [email protected]

Career Highlights Marcelo is the Director of Fraud Prevention and Security Information at Cielo S.A, responsible for Fraud Prevention, Security Information, Acquiring Solutions Security and Chargeback. He has a MBA in Information Technology from USP-SP ( Universidade de São Paulo), and graduated in Maths from UNICAMP (Universidade Estadual de Campinas). With more than 33 years of experience in the financial market, including systems development, internet banking, operational risk and back-office, his experience includes executive positions at other banks.

  Brazil Banking Operations Technologies Reverse Trade Mission  Sponsored by U.S. Trade and Development Agency  Organized and facilitated by PHM International, Inc.  www.ustda.gov   www.phmintnl.com/brazil  

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FEBRABAN Brazilian Bank Federation São Paulo, Brazil https://portal.febraban.org.br/?idioma=en-us EBRABAN - The Brazilian Federation of Banks - is the main entity representing the Brazilian banking industry. Founded in 1967 in São Paulo, it is a not-for-profit association with a commitment to strengthening the financial system and its relations with society, while contributing to Brazil’s economic, social and sustainable development. The Federation’s objective is to represent its associates in all spheres of government – the Executive, the Legislature and the Judiciary – and on entities that represent society, so as to enhance the system of rules and regulations, the continued improvement of services and the reduction in risk levels. It also strives to concentrate its efforts so that the population can have increasing access to financial products and services. We have around 121 bank associated, representing more than 98% of total assets and 97% of Banking Equity in Brazil. FEBRABAN does not engage in financial transactions of any nature. The Federation does not grant loans or financing, nor does it engage in the transfer of funds, investments, the raising funding through investments or the receipt of savings bank deposits for individuals or legal entities. Those interested in any financial transactions should approach a bank. Click here to find out more about the associate financial institutions. Among our activities, we call attention to the Operations and Business Department, responsible for developing a favorable environment to the financial sector including products and services strategy.

Leandro Vilain Business and Operations Director FEBRABAN - Brazilian Bank Federation – São Paulo - Brazil Phone: +55 11 98115 1670 Email: [email protected] BACKGROUND    

Industrial Engineer - UFRJ – Brazil - 1992 MBA on Management - COPPEAD UFRJ – Brazil - 1996 IAG Master on Finance - PUC – RJ – 1994 Business Strategy – London Business School - 2006

PROFESSIONAL EXPERIENCE

  Brazil Banking Operations Technologies Reverse Trade Mission  Sponsored by U.S. Trade and Development Agency  Organized and facilitated by PHM International, Inc.  www.ustda.gov   www.phmintnl.com/brazil  

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 2013 – Actual – FEBRABAN  Brazilian Bank Federation – São Paulo – Brazil Position: Business and Operations Director  Responsible for Products and Service industry standardization  Leadership on business transformation  Strong relationship with regulators and Brazilian Central Bank  Responsible for defending industry interest  2011 – 2013 – HSBC LAM Retail Banking and Wealth Management – São Paulo  Latin America Regional Office for individuals based on São Paulo Office  Personal Financial Service (PFS), Insurance and Asset Management  Product Management, CRM and Customer Segmentation / Proposition Position:

     

Head of Consumer Assets for Latin America Head of Customer Value Management (CVM) for Latin America Member of Mastercard Board Advisory for Latin America

Responsible for Products, CRM, Analytics for Consumer Credit and Propositions Lead multidisciplinary projects, with large experience on M&A Cards, Loans and Mortgage representative on the HSBC global management committee Head of products representing USD 25 billion on Liabilities and USD 20 billion on Assets Large experience on process review and project management Focused on customer profitability and portfolio growth

 2008 – 2011 – HSBC Latin America PFS – Mexico City  Regional PFS Office based on Mexico City  USD 25 billion on Liabilities and USD 20 billion on Assets  8 million credit cards and 15 million customers across 12 countries Position:           

Head of Products for Personal Finance Service (PFS) for Latin America LAM Cards representative on the Global Cards Management Committee at HSBC

Achieved consolidated USD 300 million Products PBT in 2010 Deployed a regional operational model for credit cards, leading a multidisciplinary team Deployed regional data repository and regional infrastructure on the LAM International Analytics Project Achieved USD 170 million PBT in 2010 from USD 74 million losses on 2009 for credit cards portfolio On Loans, achieved a sales growth of 70 % on 2010 on Assets products Deployed the Products PFS regional office structure for Latin America Agreed a regional deal with Visa Card Scheme for 5 years contract and total incentives of USD 135 million. Implemented a standardized model for cards, including common brand scheme agreement across the region, standard target operational model, processes review and vendor agreement. Experienced on RFP and RFI procedures. Extensive knowledge on Mexico, Brasil, Central America and South America consumer assets market. Launched a common processing cards platform for Chile, Panama, El Salvador, Mexico and Brasil. Experienced on cards platform migration.

 2000-2008 – Losango Promotora de Vendas – HSBC Group – Rio de Janeiro  Biggest Brazilian Consumer Finance company  300 branches, 20.000 customer merchants and 3.000 employees  Assets on USD 1,6 billion on loans and cards among 6 million customers

  Brazil Banking Operations Technologies Reverse Trade Mission  Sponsored by U.S. Trade and Development Agency  Organized and facilitated by PHM International, Inc.  www.ustda.gov   www.phmintnl.com/brazil  

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2007 PBT of USD 60 million

Position: Head of Credit Card, Business Development and Marketing  Launched cards propositions achieving 2 million cards in force within 3 years (2005 – 2007).  Designed, developed and launched Profit Share business model, achieving 30 agreements with merchants from 2000 to 2004.  Developed the business strategy model for Losango from mono product positioning to multiproduct proposition.  Lead 5 Due Diligences and concluded 2 acquisitions (CrediMatone and Valeu) on Consumer Finance industry with respective integration into Losango / HSBC structure.  Repositioned the communication strategy in alignment with the new pillars on 2006.  Participated on the Lloyds Bank sales process to HSBC on 2004 as an Insider, leading integration with HSBC standards.  1998 - 2000 – Lloyds Bank TSB – Rio de Janeiro  Corporate Banking with Head Office at Sao Paulo  Project Finance and Structured Loans specialist Position: Head of Corporate Banking at Rio de Janeiro office  Specialized in Petrochemical and Telecommunication industries.  Strong skills on Project Finance development and Sector Analysis.  Legal and tax planning  Introduced Losango to be the leader on Mobile Financing, achieving 20% share.  1998 - 1998 – Banco Votorantim – Rio de Janeiro  Corporate Banking with Head Office at Sao Paulo  Project Finance and Structured Loans specialist  Position: Corporate Banking Manager at Rio de Janeiro office  Specialized in Petrochemical industry and its sector Analysis.  Focused on Trade Market industry  1995 - 1998 – Banco Credibanco (The Bank of New York) – Rio de Janeiro  Corporate Banking and BNDES advisor with Head Office at Sao Paulo  Project Finance and Structured Loans specialist Position: Corporate Banking Manager and Treasury Manager at Rio de Janeiro office  Specialized in Northeast and Petrochemical industries  Focused on BNDES projects advisor  Treasury open market

  Brazil Banking Operations Technologies Reverse Trade Mission  Sponsored by U.S. Trade and Development Agency  Organized and facilitated by PHM International, Inc.  www.ustda.gov   www.phmintnl.com/brazil  

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Itáu Unibanco Holding S.A. São Paulo, Brazil https://www.itau.com.br/ The bank is the result of the merger of Banco Itaú and Unibanco, which occurred on November 4, 2008 to form Itaú Unibanco Holding S.A, the largest financial conglomerate in the Southern Hemisphere. It is the 63rd largest company in the world with a presence in more than 20 countries and a market value of $75.4 billion USD. The bank is listed on the BM&F Bovespa in São Paulo and in NYSE in New York. Approximately 25% of all transactions in Brazil pass through Itaú Unibanco. It has operations in Argentina, Chile, Paraguay and Uruguay in South America, as well as in the United Kingdom, Luxembourg and Portugal in Europe, United States, Japan, China, Hong Kong and United Arab Emirates in Asia. It is the most important subsidiary of Investimentos Itaúsa, a large conglomerate that ranks among Fortune magazine's top 500 corporations in the world.

Arethusa Rodrigues Pontes (55) 11 2733-4124 [email protected] Summary: Currently, Arethusa is responsible for IT team/department of Product Engineering and in the near future she’ll be changing areas to solution architecture. Arethusa has been responsible for IT team/department of the credit area and she worked in the IT department responsible for international branches. Education:  Post-Graduation MBA Executive, “Faculdade de Economia e Administração do Insper”  Post-Graduation Project Management, “Fundação Vanzolini”  Post-Graduation E-MBA IT, “Fundação Getúlio Vargas”  Graduation Chemistry Engineering, “FEI - Faculdade de Eng. Industrial“ Professional Experience:  Banco Itaú Unibanco S/A (1998 - Atual) IT Superintendency  Arlem do Brasil S/A (1995 – 1997) Trainee of Chemistry Engineering   Brazil Banking Operations Technologies Reverse Trade Mission  Sponsored by U.S. Trade and Development Agency  Organized and facilitated by PHM International, Inc.  www.ustda.gov   www.phmintnl.com/brazil  

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SulAmérica Insurance and Investments São Paulo, Brazil http://portal.sulamericaseguros.com.br/home.htm SulAmérica is 120 years in operation and works in multiple insurance segments, such as health and dental, auto and other property and casualty, The company also offers life and personal accident insurance as well as asset management, private pension, and savings bonds products. In 2015, the Company's operating revenues totaled R$15.7 billion, with R$15.0 billion in insurance premiums. On December 31, 2015, SulAmérica Investimentos, the asset management business, had R$30.3 billion in assets under management. With approximately five thousand employees, SulAmérica conducts business through an extensive and diversified distribution network that includes more than 30,000 independent brokers, more than 20 distribution partnerships, and 16,000 bank branches accessible through bancassurance partners. With approximately 7.0 million customers (individuals and companies) and 100% of revenues generated in Brazil, SulAmérica's administrative headquarters is located at Rua Beatriz Larragiuti Lucas, 121 in Rio de Janeiro. In 2015, 1 new branch were inaugurated, totaling 90 in all of Brazil. The geographic distribution of the Company’s branches is shown in the figure below as follows: Mission To provide protection and well-being to individuals and organizations, at all stages of life, creating value in a sustainable manner through a relationship of trust and respect. Vision To be recognized as the best option in the markets we serve, fulfilling our clients’ needs with excellence through a close and solid relationship with our colleagues, brokers and business partners, seeking a balance between growth and profitability. Values     

We are guided by the satisfaction of our customers and brokers We value our staff and teamwork We seek healthy and long-lasting relationships with our partners We always aim for the best results and the continuous improvement of our operations We fulfil our promises, preserving our commitment to sustainability,   Brazil Banking Operations Technologies Reverse Trade Mission  Sponsored by U.S. Trade and Development Agency  Organized and facilitated by PHM International, Inc.  www.ustda.gov   www.phmintnl.com/brazil  

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Marco Antonio Antunes da Silva Vice President Operations and Technology SulAmérica Seguros and Investments [email protected] 55 11 3779 7066 l 55 11 98689 5315 

Marco Antonio Antunes da Silva has been a Vice-President of Operations and Technology and a member of the Sustainability Committee since 2013. From 2000 until 2013, he served as Director of Operations in Health at SulAmérica. He is a Member of the Technical Committee on Regulatory Mechanisms at National Federation of Supplementary Health (Federação Nacional de Saúde Suplementar - FenaSaúde), SulAmérica’s Representative at the São Paulo Insurance Companies’ Union (Sindicato das Seguradoras de São Paulo - SindSeg SP) and Member at the São Paulo Association of the Insurance Technicians (Associação Paulista dos Técnicos de Seguro - APTS). Additionally, he is a Member of the Technical Board of the Institute for Studies on Supplementary Health (Instituto de Estudo de Saúde Suplementar - IESS). He was a Legal Representative of SulAmérica in the National Agency for Supplementary Health Services (Agência Nacional de Saúde Suplementar - ANS) from 2005 until 2013, Representative of Insurers at the Chamber of Supplementary Health (ANS), Director Responsible for Records and Evidence in Crimes of Law 9.613/98, Coordinator of Health Information Exchange in of Supplementary Health Services (ANS), and Member of the American Chamber of Commerce (AMCHAM) from 2010 until 2013. Marco Antonio graduated with a degree in Industrial Chemistry from Osvaldo Cruz University and a postgraduate degree in Business Administration from the São Judas University. He also participated in the Management Development Program (PDG) at Fundação Getúlio Vargas.

  Brazil Banking Operations Technologies Reverse Trade Mission  Sponsored by U.S. Trade and Development Agency  Organized and facilitated by PHM International, Inc.  www.ustda.gov   www.phmintnl.com/brazil  

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